Has Your Business Suffered Damage?Let Patricia M. Davis Protect the Future of Your Business

Insurance Claims in Houston

Houston Business Law Attorney

If you have incurred damage to your business, then you may want to take
out an insurance claim in order to compensate for your losses. I am Patricia
M. Davis and I offer a valuable service to business owners that have dealt
with the financial cost that can be suffered in these situations. Your
business may be your livelihood and it is my goal to protect it. You have
likely put in extensive time and dedication to get your business to where
it is and as a result of the destruction, you may have had to watch some
of this effort regress. I am able to assist in filing a claim or a lawsuit
against third parties that are responsible, persistently seeking you the
compensation you are owed.

An insurance claim is the official request that you make to an insurance
provider to receive money for the damages. When you make a claim, the
insurance company will assess it and approve or disprove the claim based
on their own research, which is done by an appraiser. The appraiser is
expected to objectively investigate if your claim is valid and consistent.
To avoid the rejection of your claim, you should contact a Houston business
lawyer. My firm will provide you with experienced legal counsel that can
help you understand the complicated claims process.

Why would an insurance provider reject my claim?

Sometimes, insurance companies will not approve your claims for various
reasons. This can happen if you have not been paying your insurance premiums,
which may deactivate your policy. The provider may claim that they are
not responsible because your damages do not fall under the conditions
of your policy, or that the accident was caused by carelessness or natural
disasters. Sometimes a simple mistake can cause setbacks and minor errors
that eventually prove to be larger problems.

In addition, an insurance company can reject your claim if they feel that
the amount of money that you are asking for is inflated. The appraiser
is the person responsible for evaluating your claim and deciding if it
is reasonable. By contacting my office, I can assure you that we will
give quality support while you are making your claim so that any rejection
can be avoided. Call now to schedule a confidential consultation.

How to File an Insurance Claim

After incurring damage to your business, it is important to quickly take
certain steps to file an insurance claim. Failure to take immediate action
could result in failure to get any coverage.

Contact your insurance provider: Find out where you can send a written notice of your claim which should
include a description of the incident and the damages that were incurred.
Once you provide them with written notice then by law they are required
to investigate your claim within 15 days (Tex. Ins. Code § 542.055; BOR ¶ 30) so you should do this even if the company tells you that you don't have
to give written notice.

Record the scene: Though you may want to jump right in and clean up the mess, take some
time to take pictures or video record the damages. Illustrations are priceless
in providing proof of losses should there be a dispute later down the
road. Conduct your own assessment of the scene even if an insurance agent
has come to evaluate the losses. Different adjusters can be put on claims
at different points of the process and mistakes can happen or information
can be lost. Only rely on yourself to fully document everything!

Take inventory: Write down all items or property associated with the damage, take pictures,
and give the list to the insurance adjuster. Make sure that you don't
throw any related items away before the adjuster has come out to see it
for himself.

Take notes: Always make a note of everything that happens throughout the claim, including
all of your actions and all the insurance company's actions. This will
help ensure that there is less confusion later.

Communicate in writing: After any actions by the insurance company, make sure to follow up in writing
so that there are no misunderstandings and the claim can be investigated
with speed. Also, ask for frequent updates on the status of your claim
to ensure that your claim gets dealt with.

Get Legal Counsel

An experienced attorney can better prepare the claim because they already
know what an insurance company is looking for and how to help the adjusters
to ease the process. If a valid claim gets disputed, then the insurance
company is required to pay the legal fees.

Contact my firm today for free case evaluation to make certain that your claim is dealt
with correctly!

I am prepared to tailor a unique and effective legal solution on your behalf.
I am here to discuss your case in person, over the phone and via email,
whichever route of communication suits your needs the best.

The information on this website is for general information purposes only.
Nothing on this site should be taken as legal advice for any individual
case or situation. This information is not intended to create, and receipt
or viewing does not constitute, an attorney-client relationship.